We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Thompson shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Thompson
The car insurance rate in Thompson is $847 for a six-month policy, which is $105 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $381, making it a popular choice for budget-conscious drivers. Rates in Thompson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $381 for a six
month policy, Farmers Union Insurance offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $407 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $523
for six months, making it
the third cheapest auto insurance company in Thompson.
Thompson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Thompson, UT is Farmers Union Insurance, offering policies at just $381 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $407.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1739 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Thompson drivers find the best deals.
Way's key takeaways about car insurance in Thompson
The auto insurance costs in Thompson fall around $381 for six
months.
The cheapest auto insurance company in Thompson is Farmers Union Insurance.
Teen drivers pay the highest rate in Thompson at $1109 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Thompson
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Thompson are given below.
Farmers Union Insurance provides
the cheapest minimum car insurance
coverage in Thompson. Their Average 6 Month Premium is $174.
Farmers is the most
expensive at $878 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Thompson is Farmers Union Insurance
at $65 per month and $381
for six months.
Cheapest Full Coverage Car Insurance Quotes in Thompson,
UT
Get Your Car Insurance Quote in Thompson
Instantly!
Average Car Insurance in Thompson by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Thompson, UT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Thompson, Utah, may be increasing due to several external factors.
Utah has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Thompson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Thompson
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Thompson,UT
If you are planning to get a car insurance policy for your teenage
dependent, Farmers Union Insurance provides the cheapest car
insurance in the Thompson at $45
per
month. At $6655 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Thompson.
As young drivers face the highest rates in Thompson, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Thompson,
Nationwide is
the cheapest car insurance provider. At $291 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Thompson is State Farm, offering
rates of around $2458 for six
months.
Save up to $971/yr on car insurance rates in Thompson.
Car Insurance Rates with An Accident in Thompson
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Thompson, UT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Thompson
The cheapest car insurance companies after an at-fault accident in
Thompson include Farmers Union Insurance
and AutoOwners Insurance Co, offering $280
and $376,
respectively. Farmers is an expensive provider
with an average six-month premium of
$2606.
Here is a list of driving violations that can increase your car
insurance rates in Thompson UT. For example, the car
insurance in Thompson
after a DUI increases to $872 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Thompson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$973
$162
One Med/PIP claim
$978
$166
Not-at-fault accident
$999
$166
One comp claim
$999
$170
Two Med/PIP claims
$999
$166
Two comp claims
$1010
$172
Failure to show documents
$1104
$184
Child safety restraint
$1137
$193
Driving without lights
$1137
$190
Failure to wear a seat belt
$1137
$193
Driving with expired registration
$1158
$193
Cell phone violation
$1194
$203
Texting while driving
$1194
$199
Wrong way/wrong lane
$1194
$203
Driving too slowly
$1200
$200
Failure to yield
$1200
$204
Following too closely
$1200
$200
Illegal turn
$1200
$204
Speeding 6 - 10 MPH over limit
$1200
$200
Failure to stop at a red light
$1205
$205
Speeding 11 - 15 MPH over limit
$1205
$201
Speeding 16 - 20 MPH over limit
$1205
$205
Speeding in school zone
$1205
$201
Improper passing
$1210
$206
In 65 MPH zone
$1253
$209
Speeding 21 - 25 MPH over limit
$1274
$216
Passing school bus
$1279
$214
At-fault accident - less than $1000
$1348
$230
Operating a vehicle without permission
$1412
$235
At-fault accident - $1000-$2000
$1449
$247
Open container
$1459
$243
At-fault accident - greater than $2000
$1469
$250
Reckless driving
$1818
$303
Driving with a suspended license
$1829
$311
Refusal to submit to a chemical test
$1829
$305
DUI
$1845
$313
Racing
$1845
$308
Leaving scene of an accident/hit and run
$1924
$328
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Thompson after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Thompson.
The cheapest car insurance premiums in
Thompson are
offered by Utah Farm Bureau at $328 for a six-month policy.
However, it can be as
expensive as $2913 with companies
like State Farm.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Thompson are offered by Farmers Union Insurance
at $222. However,
it can be as expensive as $2416
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Thompson after Speeding ticket
Car insurance rates in Thompson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Thompson remained steady at $190 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Thompson remained steady at $61 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Thompson by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Thompson. At $1694 for a
six-month policy, insuring
your car at 84540 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Thompson?
The car insurance in Thompson is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Thompson?
The cheapest car insurance in Thompson
is $65 per month
for full coverage.
How much is car insurance in Thompson for teenagers?
Car insurance for teenagers costs $275 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Thompson?
The average cost of car insurance is $952 for a six-month
policy. It will cost around $142 per month to insure your
car in Thompson.
Is car insurance expensive in Thompson?
Car insurance can be expensive in Thompson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Thompson can be
affordable.
What is the best car insurance in Thompson,
UT?
The best car insurance company in Thompson
UT is
Farmers Union Insurance, offering $381 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Thompson right now.
Find Car Insurance Rates in Cities Near Thompson, UT
Car Insurance Rates by State in the USA (2025 Update)
Thompson Car Insurance
